Common dental services covered with your HSA

With an HSA, there's a big difference between services that diagnose, treat, mitigation, cure or prevent a disease or treatments affecting a function of the body and services that fall under the category of general health.

Some of the most common types of HSA-qualified dental care procedures include:

• Fillings – This is a common procedure to "fill" a cavity after your dentist has cleaned it out.
• Root canals – This procedure involves your dentist removing the infected parts of the root of your tooth and filling in that area with a hard, protective material.
• Extractions – When your tooth is so damaged that it can't be saved.
• Crowns – Artificial dental material that dentists use to replace broken or cracked teeth. Unlike dentures, they are permanent and can't be removed.
• Dentures – Artificial teeth that are removable. Full or partial dentures are covered with your HSA, as are accessories like cleaning supplies and sealants.
• Bonding – A procedure that fixes chips and minor cracks in your teeth. Dentists apply a resin that's the same color as your tooth to the area that's chipped or cracked, and bond it with an ultraviolet light.

Your HSA also covers expenses for standard dental cleanings and dental check-ups. One thing to keep in mind is that some of these procedures may have a co-payment, so it's important that you check with your dental insurance provider to find out exactly what you'll have to pay out of pocket.